Chief Compliance Officer for Robinhood Money (Payments and Consumer Lending)I oversaw the entity-level compliance function and program, including but not limited to: Product AdvisoryRisk and GovernanceInternal Audit and External Exam ManagementBank Partner Management Regulatory Affairs Money Transmission LicensesLender, Loan Broker, Servicing, and Collections LicensesCompliance Policies and ProceduresRegulatory Requirements InventoryChange Management (Tech & Product Changes)Compliance Risk Assessments, including BSA/AML Risk AssessmentsComplaint Handling ProgramCompliance Testing and Monitoring ProgramIssue Management and Corrective Action ProgramCompliance Training ProgramRisk & Operating Committee and Board Reporting

Lead the Compliance function from the ground up for Zero, an early fintech startup. Cultivating a compliance culture of ethics and accountability. Core responsibilities include: • Managed Partnership with Bank Sponsors • Developed and Maintained Compliance Policies and Procedures• Developed and Maintained Compliance Requirements Inventory• Lead Change Management Processes• Provided product and tech advisory• Developed and conducted Compliance Risk Assessments • Managed Complaint Handling Program • Managed Vendor Due Diligence Program • Developed and maintained oversight of Compliance Testing and Monitoring team • Managed escalation & Corrective Action Processes • Developed and facilitated annual and periodic Compliance Training • Developed Key Management and Board Reporting

Responsible for developing and maintaining the Compliance Management System; including - operationalizing compliance requirements, supporting product development, and providing regulatory compliance guidance to all aspects of the business.• Advised customer-facing groups and product initiatives • Scaled compliance team and trained compliance staff • Managed bank program and partnership relationship • Developed compliance monitoring and testing program• Developed and supported all aspects of the complaint handling process• Reviewed and provided guidance on marketing and customer-facing materials• Developed dispute handling process and controls• Developed fraud review and suspicious activity reporting (SAR) process• Developed SCRA claims processing• Developed OFAC monthly scrubbing process• Developed and managed all Investor KYC and Due Diligence reviews• Developed compliance policies, programs, and procedures

Responsible for the effective implementation of the company's Compliance Program which consists of the following key elements: Compliance Policy Management; Compliance Training; Compliance Audits; Compliance Monitoring and Testing; Corrective Action and Remediation; Customer Complaints Management; New and Modified Product Review; Third Party Vendor Management; Marketing Review; Compliance Risk Identification and Gap Assessment. Managed the Bank Partner relationship as well as all external audits.

Responsible for the Commercial Banking Group's Compliance Testing and Monitoring Team & Program. Supported the commercial lending business units of the Commercial Banking Group. Provided on-going regulatory guidance to the business. • Scaled compliance team and managed compliance testing activities (BSA, Fair Lending (ECOA), Anti-Tying, Flood) for the Commercial Banking Group• Developed and conducted a UDAAP risk assessment for all commercial bank products• Re-engineered the Reg. W tracking and reconciliation process for commercial bank related transactions • Develop SharePoint tool to track all customer complaints• Designed ownership drill-down guidance tool to help business units identify true beneficial ownership for complex legal entities.• Designed CIP/CDD/EDD Matrix to assist business units meet BSA regulatory requirements for different types of legal entities.• Developed procedures, letter templates (adverse action), disclosure notices, and checklists to aid internal business units to comply with new appraisal requirements under Reg. B as amended by the Dodd Frank Act.• Redesigned the OFAC screening process for the commercial lending units to ensure all required individuals and entities as part of a credit transaction is initially screened accurately and timely. • Incorporated system enhancements in front-end sales and prospecting tool to track all deal prospects for fair lending analysis and review. • Developed enhanced reporting tools to identify potential HMDA reportable transactions for the commercial lending units.

Compliance Officer of SVBFG Corporate Compliance. Core responsibility include conducting monitoring and testing activities for bank and holding company activities. Conducting monitoring and testing involved creating new testing templates, identifying areas of potential risk, ensuring key objectives align with critical regulatory requirements, conducting meetings, and providing meaningful results to the business and management. Performed comprehensive monitoring and testing for key regulatory topics, such as: Foreign Corrupt Practices Act, Home Mortgage Disclosure Act (HMDA), Regulation D (Reserve Requirements), Regulation E (Electronic Funds Transfer), Regulation J (Collections of Checks), Regulation P (Privacy), Regulation Q (No interest on Demand Deposits), Regulation W (Affiliate Transactions), Regulation Y - Merchant Banking, Regulation AA (Customer Complaints), Regulation DD (Disclosures), and Regulation GG (Unlawful Gambling). Overall compliance experience includes enterprise-wide risk assessments; developing programs, policies, procedures; providing on-going regulatory and operational risk advice to line of businesses; conducting targeted training, supporting and collaborating on remediation plans, identifying compliance requirements and restrictions for new product and service initiatives; and supporting a strong culture of compliance.